SmartHelping / SaaS & Recurring Revenue / Excel
B2B/B2C SaaS Financial Model
Forecast three customer tiers with different contract lengths, renewal rates, and contract values. Connect customer growth and collection timing to staffing, financial statements, cash flow, and investment returns.
Standalone three-tier model. The Advanced Enterprise version is available through the SaaS bundle.
Immediate download after purchase. By purchasing, you agree to the Terms of Service.
See the model in action
Walk through the contract-based SaaS forecast.
Standalone model: three customer tiers
Configure different contract and growth profiles.
Contract length and value
Set each tier’s average contract length from 1 to 60 months. Define the total value of the contract term, with contract-value assumptions adjustable by year.
Retention and renewal expansion
Define renewal retention, annual retention assumptions, retention improvement, and the percentage increase in contract value at renewal.
Starting users and growth
Set the starting customer base and growth assumptions for each tier to build the customer forecast.
Advertising and acquisition costs
Configure advertising spend and cost per acquisition for each customer tier, with values adjustable by year.
Cohort renewals and cash collection
Model contract timing across different customer groups.
Renewals by cohort
Each cohort renews according to its contract term. The model tracks renewal timing, retained customers, and the resulting value per contract as the cohort develops.
Upfront or spread collections
Use the yes/no selector to collect the contract value at the start of each contract or spread collections over its life, then review the effect on cash flow.
Unearned revenue
When upfront collection is selected, the balance sheet includes unearned revenue to reflect the portion of collected contract value still to be earned.
Staffing, operating expenses, and capital spending
Connect the operating plan to customer activity.
Customer support staffing
Configure up to two support staff types with different fully loaded salaries. Staffing ratios are based on active customers by tier; a ratio of 0.1 represents one support person per ten customers.
Sales representative staffing
Configure up to two sales representative types with different fully loaded salaries. Staffing scales using ratios tied to customers added each month.
General operating expenses
Plan General and Administrative, Sales and Marketing, and Research and Development expenses. Each line can have a start month and different cost values by year.
Capital expenditures and depreciation
Include dynamic capital spending and its associated depreciation in the financial model.
Monthly and annual reporting
Review the financial statements, funding, and investment returns.
Three financial statements
Review the income statement, balance sheet, and cash flow statement on monthly and annual bases over the five-year forecast.
Capital structure and cap table
Set debt and equity contributions and the percentage of the business allocated to investors. Review the included cap table.
Executive summary and DCF
Review revenue, expenses, EBITDA, and cash flow in the executive summary. Analyze project, investor, and owner cash flows through DCF, equity multiples, total ROI, and distribution visuals.
Exit timing and valuation
Set exit timing and a valuation multiple based on trailing 12-month revenue at the exit month.
SaaS performance measures
Review acquisition economics, lifetime value, and churn.
Customer acquisition and lifetime value
Review customer acquisition cost, customer lifetime value, months to pay back CAC, and the LTV-to-CAC ratio through the model’s metrics and visuals.
Expansion and revenue churn
The model shows negative revenue churn when expansion revenue more than offsets lost revenue. Review how renewal value increases affect the monthly churn view.
Choose the version for your business
Standalone model or the Advanced Enterprise version.
This model is included in the SaaS bundle. The bundle also provides access to the specialized Advanced Enterprise version.
Standalone B2B/B2C SaaS Model — $99
Purchase the three-tier model described on this page, with variable contract terms, renewal logic, collection timing, staffing ratios, financial statements, and investment analysis.
Get the standalone modelAdvanced Enterprise Version — SaaS Bundle
Available only with the SaaS templates bundle. Adds features for extended sales cycles, customer support timing relative to initial onboarding, and optional one-time setup fees.
Explore the SaaS bundleSupporting SaaS concepts
Explore acquisition costs and cohort analysis.
Questions before you start
A few useful details.
What contract lengths can I model?
Each of the three customer tiers can use an average contract length from 1 to 60 months.
Can customers pay the full contract value upfront?
Yes. The collection selector supports upfront receipts or collections spread over the contract life. Unearned revenue is included on the balance sheet when upfront receipts are selected.
Are financial statements included?
Yes. The model includes monthly and annual income statements, balance sheets, and cash flow statements, along with a cap table and capital expenditure/depreciation logic.
How are support and sales staffing calculated?
Support staffing uses ratios tied to active customers by tier. Sales staffing uses ratios tied to new customers added each month. Each category supports up to two staff types with different fully loaded salaries.
Is the Advanced Enterprise version included in the $99 purchase?
The $99 purchase is the standalone three-tier model. The specialized Advanced Enterprise version, including extended sales-cycle features, support timing relative to onboarding, and optional setup fees, is available through the SaaS templates bundle.
Connect contract terms to financial outcomes
Build your B2B or B2C SaaS forecast.
Standalone three-tier SaaS Financial Model — $99, delivered as an Excel download.
